Tom Donald
Financial Services

MORTGAGE | PROTECTION | PENSIONS | INVESTMENTS

Services

INVESTMENTS

There are a bewildering range of savings and investment vehicles available to the investor. The right investment portfolio should reflect your tax position and align with your attitude to risk. It should further meet your requirement to generate income, growth or a combination of both, The following are some of the main types of investment contracts we offer

  • New Individual Savings Accounts (NISAs)
  • Unit Trusts (UTs)
  • Investment Trusts
  • Investment Bonds

The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.

MORTGAGES

For most people, taking out a mortgage on your home will be the largest financial commitment you will ever make, With being part a national Network, it gives us access to the ‘Whole of market’ The following are some of the main types of mortgage we offer:

  • New house purchase
  • First time buyers
  • Re- Mortgage-
  • Buy to Lets
  • Help To Buy (HTB)

 

– Your home may be repossessed if you do not keep up repayments on your mortgage.

– The Financial Conduct Authority does not regulate on Buy to Let Mortgage

PENSION & RETIREMENT PLANNING

Pension Planning

Today there are a number of tax efficient ways of providing for a comfortable retirement. The area is complex and choosing the right vehicle requires a detailed understanding of your personal circumstances, tax position, employment status and more. The following are some of the main types of pension contracts

  • Stakeholder pension
  • Personal Pension Plan (PPPs) 
  • Group Personal Pension Plan

THE VALUE OF PENSIONS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

At Retirement planning

This is all about knowing how to maximise the income (& Capital) from your pension arrangements (and other assets) and should take into consideration your personal circumstances, tax implications including inheritance tax, your beneficiaries, flexibility and of course control. We can provide detailed advice following a thorough financial review. Some of the main contracts available for drawing your pension benefits are:

  • Annuities
  • Phased retirement
  • Capped and Flexible Drawdown (Pension Fund Withdrawal) 

PROTECTION

There are many forms of life assurance, Life assurance can be used to protect income, loved ones and businesses and, in certain circumstances, can be arranged in such a way as to minimise the effect of tax, The following are some of the main types of Protection plans we offer

  • Mortgage Protection
  • Personal Protection
  • Critical Illness Protection
  • Whole of Life Protection
  • Income Protection

The value of pension and investments can fall as well as rise. You may get back less than you invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Get in touch

PHONE | EMAIL

01387 240 075

tom@tomdonaldfinancial.co.uk

62 St Michael Street,
Dumfries, DG1 2QF

Tom Donald Financial Services is a trading style of Thomas Donald who is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.